The three pages members open most
Group one
Personal banking and borrowing
Accounts you keep and credit you take, all in one place.
Everyday accounts
Free Checking with no monthly fee or minimum, and member login for the app and secure messaging. Direct deposit posts up to two days early.
Savings and certificates
High-yield savings for the emergency fund, money market for larger balances, and share certificates when you can commit to a term.
Choosing and joining
Put every option side by side on compare all accounts, then open your membership at become a member with a $5 share deposit.
Vehicle financing
New auto loans with preapprovals that hold for 30 days, and check your rate for a soft-pull quote before you visit a dealer.
Home financing
Purchase mortgage for buying, rate and term refinance for lowering a payment, and a home equity line of credit for drawing on what you have built.
Unsecured credit
Personal loans for consolidation, repairs, and one-off expenses, funded in days with nothing pledged as collateral.
Group two
Business services
For the shops, contractors, clinics, and nonprofits banking with us.
Where to start
Business banking is the overview page: who we serve, what a relationship manager does, and how to reach the commercial team directly.
Operating accounts
Business checking in three tiers by monthly transaction volume, with cash handling and night drop available at most branches.
Idle cash
Business savings and sweep arrangements so reserves earn something between payroll runs rather than sitting flat.
Working capital
Business loans and lines of credit, including SBA-guaranteed structures for borrowers who do not fit conventional terms.
Property and equipment
Commercial real estate for owner-occupied and investment property, plus equipment financing for trucks, machinery, and technology.
Taking payments
Merchant services covering card terminals, online checkout, and interchange-plus pricing with no long-term contract.
Group three
Rates, payments, and tools
Everything numeric, current as of July 2026.
All rates at a glance
Today's rates lists deposit yields and loan pricing together, with the effective date printed at the top of every table.
Mortgage pricing
Today's mortgage rates for fixed and adjustable terms, including points and the assumptions each quote is built on.
Vehicle pricing
Today's auto rates broken out by new, used, and refinance, with term length shown next to each rate.
Your personal quote
Check your rate runs a soft credit pull that never affects your score and returns real numbers in about two minutes.
Run the math
Calculators for payments, payoff timelines, refinance breakeven, and how much house a given income supports.
Paying and transferring
Make a payment on any Summit loan, and routing numbers for direct deposit, ACH, and wires using 271982561.
Group four
Resource center and support
Learning, help, and the fastest routes to a person.
Learn the fundamentals
Financial education holds our free workshops and counseling, while money basics covers budgeting, credit, and saving from the ground up.
Answers first
Frequently asked questions groups the most common calls by accounts, cards, digital banking, loans, and membership.
Fraud and safety
Security center explains the scams we see most and what Summit will never ask you for. Report lost or stolen is the 24-hour path.
Finding us
Branch and ATM locator covers 42 branches, 85,000 surcharge-free ATMs, and 5,600 shared branches nationwide.
Reserving time
Book an appointment with a named banker in a lobby or on secure video, 30 days out.
Reaching a person
Contact us lists every phone line, its hours, and where to mail forms, payments, and written disputes.
Group five
About Summit
Member-owned since 1948, with 412,000 owners today.
Who we are
Our story traces the credit union from a single room in 1948 to 42 branches, and explains what member ownership changes in practice.
Who runs it
Leadership introduces the executive team and the volunteer board that members elect, one member one vote.
The numbers
Annual report publishes the balance sheet, income statement, and what earnings returned to members as rates and waived fees.
Community work
Summit Foundation makes grants to local nonprofits, and volunteer with us puts staff and members on the same projects.
Working here
Careers at Summit lists openings across branches, lending, technology, and the service centers, with hours and benefits stated plainly.
Affiliated companies
Investment services for retirement planning, Summit Realty for buying and selling, and title services for closings.
Group six
Legal and policies
The documents behind every account and rate on this site.
What things cost
The fee schedule lists every charge that can be applied to a personal or business account, with the conditions that trigger it.
Terms and conditions
Disclosures collects the truth-in-savings, funds availability, and electronic transfer agreements that govern your accounts.
Privacy and access
The privacy notice explains what we share and with whom. Accessibility covers our standards and how to request an accommodation. You are reading the site map.
Still cannot find it
Call member service at 800.555.7846 between 7am and 7pm Monday through Saturday and someone will point you straight to the page.
This is a demonstration website; rates, products, and figures shown are illustrative only.